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TFIN · Triumph Financial, Inc.

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$74.16 -2.10 (-2.75%) At close · Aug 19
Market Cap
$1.82B
Shares
23.89M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$74.16 Open$77.09 Day$74.09–77.09 52W close$46.95–81.08 Avg vol 30d264K Short int2.3M · 9.8% float · 6.9d Short vol46% Last earningsJul 22, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 21

Up next

Next earnings call
Oct 21, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Jul 21, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Strong Quant / Vol Moderate
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +13%
      above
      Price vs 50-day avg −3%
      below
      RSI (14) 43
      neutral
      MACD trend Negative
      52-week position 80%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Strong
      1-month return −9%
      trailing
      6-month return +26%
      trailing
      YTD return +18%
      this year
      Relative strength +14%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $77 › 200d $66 — 50d above 200d
      Institutional flow Accumulating
      +6% holders QoQ · +43 funds added
      Insider flow Distributing
      Net -$296.4K over 90 days · 100% sells
      Short interest Rising
      9.77% of float · ▲ +1.1% MoM · 6.9 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      228 holders — near 3-yr high, broad support
      Squeeze score 70
      high risk · 0–100
      Fundamentals
      Strong
      Revenue growth −47%
      Y/Y
      EPS growth +72%
      Y/Y
      Free cash flow $64.3M
      Valuation P/E 51.5
      rich
      Buyback $30.0M
      authorized
      Balance sheet $221.3M
      net cash
      Quant / Vol
      risk profile
      Moderate
      Volatility 44%
      annualized · 1-yr
      Max drawdown −27%
      past year
      ATR 3.2%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Mar 31, 2026
      Transportation revenue · this year up to 20%
      Prior guidance period ended · from the 8-K filed Jan 26, 2026
      Expenses · 1Q 2026 $99M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 5 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +13% Bullish
      Price vs 50-day avg
      −3% Neutral
      RSI (14)
      43 Neutral
      MACD trend
      Negative Bearish
      52-week position
      80% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $77 › 200d $66 — 50d above 200d
      Institutional flow Accumulating
      +6% holders QoQ · +43 funds added
      Insider flow Distributing
      Net -$296.4K over 90 days · 100% sells
      Short interest Rising
      9.77% of float · ▲ +1.1% MoM · 6.9 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      228 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $47 Now $74 · 80% Range high $81
      vs 200-day avg +13% vs 50-day avg -3%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      # of Accounts 10,204 Q2 FY2026 —
      # of Active Carrier Accounts 4,004 Q2 FY2026 —
      # of Customers 7,705 Q2 FY2026 —
      Amount of payments processed $13,492,237,000 three months ended June 30, 2026 —
      Average Float $560,861,000 2Q26 —
      Average Interchange Fees 1.58% Q2 FY2026 —
      Average Transportation Invoice Size $2,160 Q2 FY2026 —
      Avg Daily Purchases $65,353,000 Q2 FY2026 —
      Broker Revenue Per Invoice $1.39 Q2 FY2026 —
      Discount Rate 1.29% Q2 FY2026 —
      EBITDA Margin non-GAAP -81.7% Q2 FY2026 —
      Factoring Operating Margin 39.4% 2Q26 —
      Fee Revenue $11,159,000 2Q26 —
      Intelligence Gross Margin 84.7% 2Q26 —
      Interest spread non-GAAP 3.83% three months ended June 30, 2026 —
      Invoices / Client 243 Q2 FY2026 —
      LoadPay # of Accounts 10,204 2Q26 —
      LoadPay Funding $195,063,000 Q2 FY2026 —
      Net interest margin non-GAAP 6.15% three months ended June 30, 2026 —
      Net noninterest expense to average assets ratio non-GAAP 4.43% three months ended June 30, 2026 —
      Network Engagement 65.6% 2Q26 —
      Network invoice volume 1,045,637 three months ended June 30, 2026 —
      Network payment volume $2,277,297,000 three months ended June 30, 2026 —
      Number of invoices processed 9,086,400 three months ended June 30, 2026 —
      Payment Volume $13,492,237,000 2Q26 —
      Payments EBITDA excluding LoadPay non-GAAP $7,351,000 three months ended June 30, 2026 —
      Payments EBITDA margin 25.7% 2Q26 —
      Payments EBITDA Margin (ex-LoadPay) 34% 2Q26 —
      Purchased Volume $4,117,210,000 Q2 FY2026 —
      Return on average tangible common equity non-GAAP 8.09% three months ended June 30, 2026 —
      Revenue per Account (Ann.) $281.05 Q2 FY2026 —
      Revenue per Active Carrier Account (Ann.) $706.89 Q2 FY2026 —
      Tangible book value per share non-GAAP $21.76 As of June 30, 2026 —
      Transportation Revenue Growth 30.9% 2Q26 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      TFIN
      Triumph Financial, Inc.
      this stock
      		$1.82B +18.4% -46.7% 51.5 9.8%
      MFG
      Mizuho Financial Group Inc
      		 $131.93B +38.5% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.6% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -1.2% — — 0.5%
      PNC
      Pnc Financial Services Group, Inc.
      		 $101.11B +18.1% +7.2% 14.0 1.8%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      228
      % held
      99.4%
      Net QoQ
      -496.9K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      277
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      2.3M
      Days to cover
      6.9d
      Change
      +26.1K sh
      View
      Short Volume
      Short vol %
      46%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      479
      Value
      $35.4K
      As of
      Jul 31, 2026
      View
      Off-Exchange
      Off-exchange %
      45.0%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$296.4K
      Buyers / Sellers
      0 / 1
      Buyers Sellers
      View
      Financials
      Financials
      Net income (FY)
      $25.4M
      EPS diluted
      $0.93
      View
      Buybacks
      Authorized
      $30.0M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jul 21, 2026
      This year
      11
      View
      Proposed Sales
      Value
      $193.1K
      Shares
      2.9K
      Filed
      May 22, 2026
      View
      Exempt Offerings
      Offering
      $20.0M
      Filed
      May 14, 2025
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 22, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      TFIN -3.2% -8.5% +25.6% -2.3% +18.4%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY -2.8% -11.4% +14.0% -5.3% +5.6%

      Capital returns

      Buyback program · as of Oct 15, 2025
      Authorized
      $30.00M
      Spent (derived)
      —
      Remaining
      —

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1539638 CUSIP 89679E300 13F (30d) 208 filings 206 filers Visit website Investor relations

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